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Hurry—your pre-approved offer ends Month XX, 20XX.
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You're Pre-Approved!*
Exclusive offers just for you.
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Dear %LOANENGINENAMEFIRST%,
Congratulations! You're pre-approved for a Community First loan.
You can choose to accept any one of the offers below by accepting your offer within Online Banking, Mobile Banking, visiting a branch, or calling 904.549.8768.
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Choose one of the special limited time offers below:
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%IF in_string('Auto Purchase New', $LOANENGINEAUTOPURCHASENEWN)%
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Auto Purchase New1
%LOANENGINEAUTOPURCHASENEWR% APR** for %LOANENGINEAUTOPURCHASENEWT% months — Pre-Approved up to %LOANENGINEAUTOPURCHASENEWA%
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%/IF%%IF in_string('Auto Purchase Used', $LOANENGINEAUTOPURCHASEUSEDN)%
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Auto Purchase Used2
%LOANENGINEAUTOPURCHASEUSEDR% APR** for %LOANENGINEAUTOPURCHASEUSEDT% months — Pre-Approved up to %LOANENGINEAUTOPURCHASEUSEDA%
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%/IF%%IF in_string('Visa Signature', $LOANENGINEVISASIGNATUREN)%
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Visa® Signature3
%LOANENGINEVISASIGNATURER% APR** — Pre-Approved up to %LOANENGINEVISASIGNATUREA%
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%/IF%%IF in_string('Personal Loan', $LOANENGINEPERSONALLOANN)%
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Personal Loan4
%LOANENGINEPERSONALLOANR% APR** for %LOANENGINEPERSONALLOANT% months — Pre-Approved up to %LOANENGINEPERSONALLOANA%
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%/IF%
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PLEASE NOTE: A credit report will be pulled for all offers listed above. If you would like to take advantage of more than one offer, or would like to request more than your approved amount, please contact us. A full application will be required. Other restrictions may apply.
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Accept your pre-approved loan offer within
Online Banking today!
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Just click on the "Pre-Approved Offers" tab in Online or Mobile Banking
and customize your offer to fit your budget.
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If you have questions, call us at 904.549.8768 or stop by anytime.
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HURRY! Offer ends Month XX, 20XX.
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Susan Verbeck
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Chief Lending Officer
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Community First Credit Union
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Love Where You Bank
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© %HCTEMPLATEYEAR% Community First Credit Union of Florida. All rights reserved.
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Federally Insured by NCUA  EQUAL HOUSING LENDER |
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P.O. Box 2600 • Jacksonville, FL 32232-0077
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You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE† below for more information about prescreened offers.
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†PRESCREEN & OPT-OUT NOTICE
This "prescreened" offer of credit is based on information in your credit report indicating
that you meet certain criteria for creditworthiness. This offer is not guaranteed if you do
not meet our criteria. You have the right to prohibit information contained in your
consumer credit file with any consumer reporting agency from being used in connection
with any credit or insurance transaction that you do not initiate. If you do not want to
receive prescreened offers of credit from this and other companies, call the consumer
reporting agencies toll-free at 1-888-5OPT-OUT ( 1-888-567-8688); or visit
the website at www.optoutprescreen.com or write:
Experian Consumer Opt-Out, P.O. Box 919, Allen, TX 75013
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%IF in_string('Auto Purchase New', $LOANENGINEAUTOPURCHASENEWN)% %/IF%%IF in_string('Auto Purchase Used', $LOANENGINEAUTOPURCHASEUSEDN)% %/IF%%IF in_string('Visa Signature', $LOANENGINEVISASIGNATUREN)% %/IF%%IF in_string('Personal Loan', $LOANENGINEPERSONALLOANN)% %/IF%
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* We used information that we obtained on you from a consumer reporting agency in connection with this "Pre-Approved" offer. You were selected to receive this offer because you satisfied certain criteria for creditworthiness, which we previously established. The offered credit may not be extended if, after you respond to this offer, we determine that you do not meet the criteria used to select you for this offer or any other applicable criteria bearing on creditworthiness, or if you do not provide the required collateral. Maximum aggregate per-member unsecured products with Community First Credit Union of Florida cannot exceed $50,000, and maximum aggregate per-member secured products with Community First Credit Union of Florida cannot exceed $120,000. Not all applicants will qualify for the lowest rate. Membership eligibility is required. Other restrictions apply. A credit report will be pulled for all offers listed above. If you would like to take advantage of more than one offer, or would like to request more than your approved amount, please contact us. A full application will be required. Other restrictions may apply.
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** APR=Annual Percentage Rate
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1 Auto Purchase New (model years 2019 or newer): Community First Credit Union of Florida finances up to 115% of MSRP (new vehicles) or the NADA Retail Value. The maximum interest rate for this offer is 12.40% APR, and the minimum approved loan amount is $14,000. This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds 115% of Loan-to-Value. Not all applicants will qualify for the lowest rate or max LTV. Payment example: A %LOANENGINEAUTOPURCHASENEWT%-month loan of %LOANENGINEAUTOPURCHASENEWA% at %LOANENGINEAUTOPURCHASENEWR% fixed APR will have a monthly payment of approximately %LOANENGINEAUTOPURCHASENEWP% per $1,000 borrowed. Rates current as of January 1, 2020, and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. Subject to credit review. May not be combined with other offers. Other restrictions may apply.
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2 Auto Purchase Used (model years 2013–2018): Community First Credit Union of Florida finances up to 115% of MSRP (new vehicles) or the NADA Retail Value (used vehicles). The maximum interest rate for this offer is 12.89% APR, and the minimum approved loan amount is $14,000. This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds 115% of Loan-to-Value. Not all applicants will qualify for the lowest rate or max LTV. Payment example: A %LOANENGINEAUTOPURCHASEUSEDT%-month loan of %LOANENGINEAUTOPURCHASEUSEDA% at %LOANENGINEAUTOPURCHASEUSEDR% fixed APR will have a monthly payment of approximately %LOANENGINEAUTOPURCHASEUSEDP% per $1,000 borrowed. Rates current as of January 1, 2020, and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. Subject to credit review. May not be combined with other offers. Other restrictions may apply. Model years 2010–2012 may have higher associated rates.
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3 Visa® Signature: Rates stated available on approved credit and may be different as determined by the individual creditworthiness of each applicant. You are pre-approved for a Community First Visa Signature Credit Card with a limit of at least $5,000. The maximum APR for a Community First Visa Signature Credit Card is 18.00%. Rates current as of January 1, 2020, and are subject to change based on market conditions and borrower eligibility. Other restrictions may apply. $150 credited to qualifying member’s primary share account on or around the following month of reaching the $500 minimum within 90 days of opening the credit card. Cash back limit is $6,000.
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4 Personal Loan: Payment example: A %LOANENGINEPERSONALLOANT%-month loan of %LOANENGINEPERSONALLOANA% at %LOANENGINEPERSONALLOANR% fixed APR will have a monthly payment of approximately %LOANENGINEPERSONALLOANP% per $1,000 borrowed. Rates current as of January 1, 2020, and are subject to change based on market conditions and borrower eligibility. The minimum approved loan amount is $5,000. The maximum interest rate for this offer is 13.99% APR. Other restrictions may apply.
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%IF in_string('Visa Signature', $LOANENGINEVISASIGNATUREN)%
| COMMUNITY FIRST VISA® SIGNATURE CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE |
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| Interest Rates and Interest Charges |
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| Annual Percentage Rate (APR) for Purchases |
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| 11.90% to 18.00% based on your creditworthiness; the APR will vary with the market based on the Prime Rate. |
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| Annual Percentage Rate (APR) for Balance Transfers |
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| 11.90% to 18.00% based on your creditworthiness; the APR will vary with the market based on the Prime Rate. |
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| Annual Percentage Rate (APR) for Cash Advances |
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| 11.90% to 18.00% based on your creditworthiness; the APR will vary with the market based on the Prime Rate. |
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| How to Avoid Paying Interest on Purchases |
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| Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
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| For Credit Card Tips from the Consumer Financial Protection Bureau |
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| Transaction Fees |
| • Balance Transfer |
| • Cash Advance |
| • Foreign Transaction |
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| None |
| $10 or 2% of the amount of each cash advance, whichever is greater |
| 1% of each multiple currency transaction in U.S. dollars. 0.8% of each single transaction in U.S. dollars |
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| Penalty Fees |
| • Late Payment |
| • Over-the-Credit-Limit |
| • Returned Payment |
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| How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)." |
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| Effective Date. The information about the costs of the card described in this disclosure is accurate as of January 1, 2020. This information may have changed after that date. To find out what may have changed, contact Community First Credit Union of Florida. |
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%/IF%
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